Ozona Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets climbed 11.3% in Q2 2026, from $191.0M to $212.6M. It was the largest change from Q1 2026 among the key lines here. Ozona Bank ranks 61st of 184 Texas banks on CET1 ratio, in the upper half at 20.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Ozona Bank sits 5.03 points higher, at 20.11% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.11% |
| Tier 1 risk-based capital ratio | 20.11% |
| Total risk-based capital ratio | 21.13% |
| Tier 1 leverage ratio | 12.31% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $42.8M |
| Tier 1 capital | $42.8M |
| Total risk-based capital | $44.9M |
| Total equity capital | $32.5M |
| Risk-weighted assets | $212.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 9.40% |
| Equity capital to average assets | 9.37% |
| Internal capital growth rate | 4.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $600K |
| Retained earnings | $41.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.00% | 23.00% | 24.14% | 11.19% | $166.8M |
| Q4 2023 | 23.04% | 23.04% | 24.28% | 11.56% | $168.1M |
| Q1 2024 | 21.86% | 21.86% | 23.04% | 11.49% | $179.9M |
| Q2 2024 | 22.98% | 22.98% | 24.19% | 10.98% | $172.6M |
| Q3 2024 | 23.66% | 23.66% | 24.88% | 11.42% | $170.1M |
| Q4 2024 | 23.23% | 23.23% | 24.41% | 12.44% | $176.5M |
| Q1 2025 | 23.04% | 23.04% | 24.21% | 12.86% | $178.1M |
| Q2 2025 | 23.23% | 23.23% | 24.48% | 12.99% | $176.0M |
| Q3 2025 | 22.07% | 22.07% | 23.32% | 12.77% | $187.7M |
| Q4 2025 | 21.72% | 21.72% | 22.91% | 12.82% | $195.4M |
| Q1 2026 | 22.19% | 22.19% | 23.29% | 12.48% | $191.0M |
| Q2 2026 | 20.11% | 20.11% | 21.13% | 12.31% | $212.6M |
Ozona Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ozona Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ozona Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3376) · FFIEC NIC profile (RSSD 780263)